Top questions to ask about NC health insurance

Choosing NC health insurance can be a confusing process. There are many options available for NC residents to consider. To make the process easier, talk with an experienced NC health insurance agent who can walk you through all the health plan options and give you an understanding of each health plan benefit and the limitations. You don’t want to be surprised later when filing an insurance claim, or getting medical treatment.

Coverage of family and individuals
To understand the specific health plan coverage, asking your agent several questions about each option will make it easier to decide on a health plan to suit your budget and medical care needs.

Who is covered under the NC health plan?
What are the age limitations of coverage for my children? Will they be covered if they work or go to college?
What about group health insurance coverage for my family? What are the limitations of employer health insurance? Is it more cost effective to cover my children on an individual policy instead of a group policy? What are the benefits and limitations of each health plan?

Cost of premiums and deductibles
Comparing the financial cost of different NC health plans with their benefits is an important aspect to consider. Many NC health plans have several monthly premium options to suit your budget.

Can I lower the monthly premium to decrease costs?
What are the claims caps for my health plan?
Does the cost of the health plan decrease or increase with claims?
What are the annual rate increases?
Can I get a preferred rate because of good health?
Can I raise or lower my co-pay or deductible?
Do my premiums increase if someone gets sick?


Limitations and Exclusions
Always read the fine print on a health insurance policy and ask a reputable health insurance agent to tell you about all the limitations, claims caps, and exclusions of each health plan. Here are some questions to ask:
Do I have to go to certain doctors in the network or can I choose my own doctor?
What is the coverage if I seek treatment outside the network of doctors and providers?
How do the premiums change and what are the maximum deductibles and pay-outs of this policy?
Does the health plan provide coverage medical care when I travel?
What are the specific exclusions and benefits of this health plan?

All of these questions can be discussed with a reputable health insurance agent who knows the answers. North Carolina residents can contact Judi Goloff at 800-438-5834 or visit NC Health Plans Online, for Blue Cross NC rates and quotes.

How to lower your NC Health Plan costs

Many North Carolina residents are seeking to lower their health insurance costs because of the economic times. Good health care coverage is an important investment in your future so smart shopping can save you time and money in insurance premiums. Here are a few suggestions for cutting costs on health insurance:

Ask a reputable NC health insurance agent to help

Getting expert help from an experienced insurance agent does not increase your health insurance premium costs and will usually save you valuable time and money. A reputable agent understands all the terms and benefit options that can decrease your monthly rates while offering medical care benefits to suit your needs. It is very important to seek advice on several health insurance policies and compare the benefits and costs involved. They can also give advice about existing medical conditions and whether you will qualify for reduced monthly premiums.

Invest in a Health Savings Account or HSA

The main benefit of HSA plans is the savings from having a higher deductible and no co-pays for doctors and drugs. These health plans are less expensive per month and the out-of-pocket expenses can be lower than the actual co-pay type plans if you require hospitalization or major medical treatment. Make sure to get a reputable insurance carrier that has a good track record and reputation for paying insurance claims.

Increase your deductible on your existing health plan

If you already have an insurance plan but can’t afford the monthly premiums, consider increasing the deductible to save money on monthly premiums. This can actually save hundreds of dollars a year if you are healthy and require few doctor visits and medications.

Consider a specialized insurance plan

These health plans are always cheaper because they usually cover only hospital and surgical expenses. Many cover a specified amount for each day in the hospital and certain surgical expenses for common surgeries. Accident plans cover certain accident related medical injuries. These plans are helpful in case of medical emergencies and provide coverage that can save you from financial crisis if you are involved in an accident.

Consider Major Medical Plans

For those in good health, check out the options with major medical insurance that covers only certain illnesses like heart disease, cancer, and other major health problems. These plans will be a lot less expensive than comprehensive health plans but still cover you in case of future illness and common health problems.


All of these options can be discussed with a reputable health insurance agent who knows the affordable approaches to getting quality health care coverage based on your specific needs. For North Carolina residents, contact Judi Goloff at 800-438-5834 or visit NC Health Plans Online, for Blue Cross NC rates and quotes.